January 19th, 2015

If you're looking for auto insurance, then you'll want to make sure you're covered as soon as you start driving your car. If not, then you'll not only be breaking the law, but you'll be putting yourself and others at serious medical and financial risk.

However, if you already have car insurance and want to switch insurers or change your policies, then it could be worthwhile to do a little background research before making the move. That's because insurance quotes today may not be the same as they were yesterday. The insurance market is fluid, and rates can change depending on the season and any available discounts.

For instance, if your current policy reaches its term limit in a few months, it could be advantageous to start looking for other options now instead of simply renewing. A few months from now, quotes could be higher across the board, and the potential savings you were looking to gain might not materialize like you expected.

To avoid this, you should stay ahead of the game, analyze current and future prices and decide when's the best time to jump ship. Even if you still have a couple of months left on your insurance plan, making the switch now while competitors are offering you lower rates could be the way to go. Though you may be overinsured for a short period of time, in the long run, you'll save money if you're able to lock in those low rates.

Get the best deal
Insurance companies typically offer better bargains around the holidays because providers know that consumers shop more. Further, around the end of the year, insurers are looking to renew or sign up new customers so as to start the new year off right. In this case, companies offer lower rates or better insurance packages.

Keeping this in mind, you have the opportunity to save money at certain times of the year and should use this to your advantage when shopping around. In addition, companies will try to lure you in by providing better services that may not be available for long. For instance, temporary discounts on policies or adjusted low rates for the first few months are common options.

While you're at it, ask about discounts to save even more money on your insurance.